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Max Bupa Health Companion family floater is a comprehensive and affordable plan. It is designed for individuals and nuclear families consisting of you, up to 4 children and your spouse. It offers a direct settlement of claims, cashless hospitalization, and lifelong renewal of health insurance plans. The policy comes in 3 variants and the sum insured ranged from INR 3 lakhs to 1 crore.
Sum Insured Options Variant 1: INR 3 Lakhs & INR 4 Lakhs
Top Up Options with Annual Aggregate Deductible Option:
The plan comes with the following benefits:
The cost of medical treatment is paid off when you or any of your insured family members get hospitalized for the treatment. Following expenses are reimbursed/paid:
|Coverage||Variant 1||Variant 2||Variant 3|
|In-patient care (hospitalization)||For you and your family members||For you and your family members||For you and your family members|
|Hospital accommodation||All types of hospital rooms without capping (except above room category or suite)||All types of hospital rooms without capping (except above room category or suite)||All types of hospital rooms without capping (except above room category or suite)|
|Pre & post-hospitalization expenses||30 days pre-hosp.60 days post-hosp||30 days pre-hosp.60 days post-hosp||30 days pre-hosp.60 days post-hosp|
|All day care treatments covered||Covered||Covered||Covered|
|Alternative treatments||AYUSH treatment up to the base sum insured||AYUSH treatment up to the base sum insured||AYUSH treatment up to the base sum insured|
|Renewal benefit||NCB 20%Health Check-up once every2 years||NCB 20%Annual Health Check-up||NCB 20%Annual Health Check-up|
|2 year policy tenure option||12.5% discount||12.5% discount||12.5% discount|
|Emergency ambulances||Up to INR 3,000||Up to INR 3,000||Up to INR 3,000|
|Vaccination in case of animal bite||Reimbursement up to Rs. 2500 for OPD treatment||Reimbursement up to Rs. 5000 for OPD treatment||Reimbursement up to Rs. 7500 for OPD treatment|
|Hospital cash (optional)||Rs. 1000||Rs. 2000||Rs.4000|
The plan doesn’t cover the following medical expenses:
Choose a hospital that is in your vicinity from the list of Max Bupa network hospitals. It is suggested that you pick a hospital before 72 hours of the treatment. To ease the identification process you need to carry the following documents:
The network hospital will carry out the validation process and will submit you pre-authorization process to the insurer. The decision will be communicated to the network hospital within 30 minutes in most of the cases.
You can start with the treatment and after getting discharged you can sign all the forms, documents, and invoices. To ease the hospitalization procedure the insurer will assign a relationship manager to take you through the process. The insurer will pay off the hospital for all the pre-approved treatments (as per policy T&C).
You can select a network hospital and call at their International helpline number as mentioned in the policy documents. To facilitate the identification process and hospital admission process you need to furnish the listed documents:
Max Bupa’s international claim team will give you a reference number after you have filed a claim. Once all the documents are approved and the claim is processed, our dedicated International claim team will take you through the international cashless hospitalization. Their health experts shall also monitor your health while you are undergoing treatment in one of the best international hospitals.